Arcola, IN
Arcola, IN's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Arcola at the 3rd national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 161 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Arcola at the 3rd percentile, close to its 3rd-percentile risk score.
Arcola's building exposure, zone by zone
64.6% of Arcola's 161 buildings sit in USFS's Minimal exposure zone, with only 35.4% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
How Arcola compares
Arcola's 18th-percentile standing inside Indiana outpaces its 3rd national percentile — this is a hotter spot than most of its own state, even though the state as a whole runs cooler nationally. Among the 31,521 US communities USFS scores, Arcola ranks 30,725 for wildfire risk (1 is highest) and 26,377 by building count (1 is largest). Within Indiana alone, it ranks 788 of 967 places by risk. See the full county-by-county picture for Indiana on its state page.
Arcola and the insurance market
At the 3rd national percentile, Arcola rates low for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Lowering exposure, not just insuring around it
Even with 64.6% of Arcola outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Arcola's 30,725-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Arcola, see the exposure-zones guide.